[group laughing] you guys have done so much with this place in the last two years yes, we really love it. the kids really like the neighborhood too. here, let me help you with these. thank you. [announcer] admitting to financial difficulties is never easy. is everything okay, jean? yeah, sure. everything okay, joe? well, frankly, no. it's this house. we can't afford the mortgage anymore. i think we're in real trouble. [announcer] many people are in trouble with their mortgages the national foundation for credit counseling can help you work through your mortgage problem, and this service is completely free. if you think you're in trouble, call the n-f-c-c today. yes, yes. we called them. and we now know what we need to do. yes, we're working with them. [announcer] the sooner you call, the beer your options.